Retirement Planning:
Determine what assets are qualified or non-qualified to be included during retirement and to maximize their return.

Income & Cash flow Management:
Provide an income analysis to cover monthly expenses including an optimal withdrawal rate.

Financial Management:
Reduce, adjust or eliminate risk, rebalance or transfer underutilized assets in the current portfolio and recommend fixed annuity products whenever possible for safety, growth and income.

Tax Strategies:
Provide tax-free or tax deferred income, including Required Minimum Distribution (Consult with your CPA or tax advisor).

Risk Management:
The insurance companies selected will have a no-loss provision such as guarantee of principal or return of principal never to get less than your original principal.

Estate Planning and Insurance:
Wealth transfer of assets utilizing insurance to assigned beneficiaries (Consult with your attorney, CPA or tax advisor).

Long Term Care:
Evaluate the need to utilize LTC or incorporate the use of health riders in the selection of annuities provided (some restrictions may apply).